For people living in certain parts of the world, such as the south eastern United States and Southeast Asia, tropical storms and hurricanes, or typhoons, as they are also known, are natural forces with which the inhabitants must deal. These storms can be quite violent and dangerous, so it is important to protect oneself, and it is also important to protect one’s property.
Generally, there are quite a few tropical storms, every year, and some of these become more powerful and are upgraded to be considered hurricanes. For example, in the 2011 Atlantic Hurricane season, twenty tropical depressions occurred. Of the twenty tropical depressions, nineteen were advanced to tropical storms, and seven of these tropical storms were advanced to hurricane designation. The differences between these different kinds of storms involve wind speed and air pressure. Together, the twenty storms caused a total of over $12.2 billion in damage along Atlantic and Caribbean coastlines and islands. This data provides certain reasoning that one should look into getting some sort of homeowner’s or renters insurance.
As far as houses are concerned, the winds involved with tropical storms and hurricanes are not too damaging to structures, but there are some companies that specialized in creating hurricane resistant windows. This is an option can be quite expensive, but nailing boards over windows can be quite effective, as well. Flooding can also be damaging to people’s homes, and it is somewhat difficult to predict, and even more difficult to defend against. For those worried about flooding, homeowner’s insurance is the best route to take. There are many different insurance plans on the market, but flood insurance is not always included in many packages. It is, therefore, necessary that one protect their property by finding a company that offers insurance packages, including flood insurance, as well as other forms of insurance that account for property that can be damaged by tropical storms, hurricanes, and typhoons.
Some people might not live in standard mortgaged house, perhaps renting apartments, condos, or duplexes. In these cases, renters’ insurance should be considered. When taking care of something that someone else owns, it important that it be protected, since the renter is accountable for any damage that occurs to it.